Posted on 10 April 2011
Tags: Africa, application, applications, appointment, appointments, Apps, Asia, benefits, Brain, cards, cell, cell phone, Cell phones, cellphones, chemistry, college, college students, communication, earn, element, elements, family friends, friend, friends, friends relatives, graphical calculator, Graphing, graphing calculator, great technology, HICA, history, home, individual, Iphone, Iphone apps, iStudiez, Journal of the American Medical Association, Loans, Maps, market, mathematical equations, Middle East, Mobile, mobile phone, Multiple, multiple choice test, nbsp, periodic table, Positron emission tomography, quizzes, Ram, reduce the burden, Science and Technology, science subjects, screen, Software, software applications, student, student loan, subject, technology, Track, united state, united states, United States of America, Usage, Useful, useful software, wake
Mobile phone also known as a cell phone is a great technology of communication. It becomes the necessity of society around the world. It has the ability to be in touch with the family, friends, relatives etc. in any part of the world and because of that cell phones are becoming the major part of the society. As technology is changing rapidly a new cell phone has come to the market with a name of iPhone .This cell has many features inside as you can download different useful software/applications in it which benefits every individual.
Every student can personalize the appointments with their usage. If we talk about the students by using iPhone they can download different applications in it and can make their life easier.
Some of the best applications of iPhone are:
1. Cram
Cram is among the best applications for the college students. Basically it is an application which has multiple choice test and user cards for practicing for the exams. Students can use this application to learn their lecture, quizzes, and papers.
2. iStudiez Pro
This is also an interesting application for iPhone. This is for the students to organize themselves. It means to plan and organize their hectic routine days.
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Posted on 13 January 2009
Tags: advice, cable, Cable TV, cancel your membership, cellphones, cellular telephone, cheaper economical car, credit card debt, Credit Cards, Cut your credit cards, Debt, Expenses You Can't Afford, food, food lunches, food purchases, food stops, frugality, fuel guzzling expensive car, get a cheaper economical car, how to, If You Have Credit Card Debt, live frugally, live without television, Loans, minimum payment, Money, monthly food budget, no dining out, Personal Finance, savings, say no to tv, Starbucks, stop all shopping, tips, transfer your debt, when you are broke
You need to cut down your monthly expenses and live frugally if you ever want to get out of debt. Let’s assume you have a $20,000 in credit card debt and you current minimum payment is around $500 per month. Unless you really don’t want to pay your credit card bills at all. You have to pay it in full before you can cancel your credit card.
Let’s say you have $14,000 in credit card debt and your current minimum payment is $350. At 21% with a minimum payment of 2.5% it will take you 542 months to get rid of your debt. In that time, you will pay more than $32,000 in interest. this is not at all funny. but this is how this works.
If you keep paying a fixed amount of $350 dollars (which is your current minimum payment),It will take you 70 months to be rid of your debt. In that time, you will pay $10,290.27 in interest. Still Its unacceptable.
However, If you manage to reduce expenses by $200 each month and apply that amount to your credit card’s minimum payment, then each month you can payback $550. this way, It will only take you 34 months (3 years) to get rid of all your debt. during this time, you will pay only $4,692.23 in interest. this is also crappy but better than 542(45 years) ye and 70 months(6 years) and you will save some where between $6,000 to $28,000 in your interest payments.
Best course of action in this situation is to transfer your debt to a low interest credit card or apply for a debt consolidation loan
If you still doubt in what I say, You can use this Minimum payment calculator to find out how much money you will be wasting by not paying off your credit card balance as quickly as possible.
Indeed, there is no feeling like getting out of debt. Its always better than watching cable tv or dining out with friend. You will get more joy out of these activities when you are debt free.
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